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Take into account: For every single $ten,000 borrowed, a drop of 1 percentage point is worth about $5 per month more than 48 months, or $240. Several offer rewards that can be redeemed for cash back, or for rewards at providers like Disney, Marriott, Hyatt, United or Southwest Airlines. Ask us about Chase Private Client , a exclusive level of service that combines concierge banking from Chase and access to J.P. Morgan’s investment experience. Many banks and credit unions — such as Wells Fargo, Bank of America and Nationwide Bank — offer an online auto loan refinance calculator that will assess your savings.